Date: 4 weeks ago   Category: Finance

The Central Bank explained the offer not to recover the remains debts on a mortgage — Rambler News Service


After entry into force of amendments to the law on a mortgage in 2014 banks should not demand from the debtor of payment of the rest of a credit debt if they received payment from insurance company, but credit institutions sometimes continue to recover a debt in such cases, using ignorance by borrowers of this norm, the first deputy chairman of the Bank of Russia Sergey Shvetsov told journalists, commenting on the offer of the Central Bank not to recover the rest a debt on a mortgage after withdrawal of mortgage housing. "It is about what after entry into force of amendments to the law on a mortgage in 2014 banks should not demand from the debtor of payment of the rest of a credit debt if the bank received payment from insurance company for programs of insurance of responsibility of the borrower or insurance of financial risks of the creditor, but banks sometimes continue to recover a debt in such cases, using ignorance by borrowers of this norm. We recommended to banks to study such cases and to take measures for elimination of violations, including, to return of earlier received payments", - he told. Shvetsov noted that this norm does not work if risks of the borrower or creditor were not insured. "Then the citizen by the general rule has duty to pay the debt rest", - he added. The first deputy chairman of the Central Bank specified that the Bank of Russia suggested to analyse in the information letter practice of some banks which after receiving the put housing made the decision not to recover the rest a debt from the borrowers who were in a difficult situation for whom repayment of a debt is already excessive. "But the regulator would not like that banks remitted a debt automatically, they have to carry out the individual analysis of a life situation of the borrower. And moreover, such approach is not the obligation of banks, but banks can make such decision, and it can be justified in case of really difficult situation of the borrower what we also paid attention in the information letter to", - Shvetsov explained. Earlier the Central Bank suggested mortgage creditors to consider the possibility to stop collecting the remained debt from the citizens who already lost the put housing in connection with non-execution of obligations for a mortgage loan. The press service of the Central Bank explained that the debt rest after realization of the put real estate at the auction can be formed in case the price of the apartment or house does not meet of all credit debt or I will borrow.

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